Payday Loans in Duck, West Virginia

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No payday loan companies in Duck, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
Bill Kinder & Associates 964 Ritter Dr, Beaver, WV 25813 +1 (304) 250 - 0250
Union Bank 3924 Hornet Hwy, Hundred, WV 26575 +1 (304) 775 - 2222
Advance Auto Parts 46 Daycon Dr, Philippi, WV 26416 +1 (304) 457 - 2040
Premier Bank Inc. 103 Miller Dr, Ripley, WV 25271 +1 (304) 372 - 1160
Chase Mortgage 424 Old Co 3/3 Rd, Chapmanville, WV 25508
Pendleton Community Bank 402 S Main St, Moorefield, WV 26836 +1 (304) 538 - 7900
First Community Bank 100 Market St, Man, WV 25635 +1 (304) 583 - 6525
United Bank 2889 3rd Ave, Huntington, WV 25702 +1 (304) 781 - 2362
Summit Community Bank 150 E Main St, Salem, WV 26426 +1 (304) 782 - 2555
First Community Bank 24951 US-219, Lindside, WV 24951 +1 (304) 753 - 4311

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Duck, WV, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Charleston, WV, Payday Loans in Huntington, WV, Payday Loans in Morgantown, WV and No Credit Check Loans in Parkersburg, WV. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Duck, WV.

Are Payday Loans Legal In Duck, West Virginia?

Payday Lending is Prohibited in West Virginia

West Virginia Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Duck, WV payday loan calculator

Payday Loans in Duck, West Virginia

Payday loans are a type of short-term loan that offers fast cash to people who are in immediate need of funds. The loans are typically due on the borrower’s next payday, and they come with high interest rates and fees. These loans have been a popular option for people with poor credit or no credit history, but they are not available in all states, including West Virginia.

Why payday loans are prohibited in West Virginia

West Virginia officials have taken a stand against payday loans, putting a stop to any payday lenders operating within the state’s borders. The state has cited concerns about the high costs associated with these loans and the negative impact they can have on borrowers who often find themselves trapped in a cycle of debt.

West Virginia Attorney General, Patrick Morrisey, has been a vocal proponent of the state’s stance against predatory lending. “We must stay vigilant in our efforts to protect West Virginia consumers from unscrupulous payday lenders,” Morrisey said in a press release. The state’s Consumer Credit and Protection Act sets strict limits on the fees and interest rates that lenders can charge, which makes it difficult for payday lenders to operate in the state.

What alternatives do West Virginia residents have?

While payday loans are not an option for West Virginia residents, there are other types of short-term loans available to them. One option is a personal loan, which can be secured or unsecured and come with lower interest rates than payday loans. However, personal loans usually require a credit check, and people with poor credit may have difficulty qualifying.

Another option is a title loan, which is a secured loan that uses the borrower’s vehicle as collateral. Title loans usually come with high interest rates and fees, like payday loans, but they can be a better alternative for people who own their vehicles outright and need quick cash.

West Virginia residents can also consider credit cards, lines of credit, or borrowing money from friends or family members as an alternative to payday loans. These options may come with lower interest rates or no interest at all, but they may not be viable options for everyone.

Interesting Facts and Statistics about Payday Loans in Duck, West Virginia

  • West Virginia has one of the lowest median household incomes in the United States, at just over $44,000 per year.
  • According to the Center for Responsible Lending, the average payday loan borrower in West Virginia takes out eight loans per year, with a total of $2,000 borrowed.
  • The state of West Virginia has made efforts to protect consumers from high-cost payday loans, but some lenders have found loopholes in the law, such as operating online or partnering with out-of-state banks.

Apply Now

If you are in need of a short-term loan in West Virginia, TheGuaranteedLoans can connect you with potential lenders who can provide you with options. Fill out an online application today and let us help you get the funds you need to cover unexpected expenses.

Please note that TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of verified lenders and loan providers to help you find the best options for your needs.

F.A.Q.

Can I be sued for not paying back a payday loan in Duck, West Virginia?

Because payday loans are illegal in Duck, West Virginia, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Duck, West Virginia?

No, payday loan lenders cannot garnish your wages in Duck, West Virginia because payday loans are illegal in the state.

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